Re: Need advice on a build
If you don't plan to OC then you can simply use the stock cooler. There isn't a reason to have aftermarket cooling if you don't OC.
To answer your question, no it's actually easier and much less strain on your motherboard. There is no maintain, just blow the dust off the rad like you would a normal heatsink.
On that note to your question in the OP, I still use AS5. There are "better" options but if you are familiar with it might as well use it.
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